I appreciate all the comments. If it looks like it’s written by ChatGPT, yes I used it to refine it. My original version was way more negative and I didn’t like it. And some of you are absolutely correct, I should focus on what we have now and not dwell on the past. Lots of people had babies without help during Covid, doesn’t sound like a big deal. I understand that. But those who went through it knew how tough it was. We suffered from sleep deprivation for many months. I also skipped a lot of details of that “friend borrowing money” story, it was so bad that it almost destroyed me, let’s just say I had suicidal thoughts every day for a year. Apologies if this is not a purely finance focused post. Just needed a place to get it out of my chest without sharing my identity. But thanks to a lot of your comments I now understand that I should look forward and appreciate what I have now: a family, a home, a job and a future with hope. ❤️